11132 Oxbow Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 11132 Oxbow Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,342 sqft · built 1997
Lot Size	9 acres (392,040 sqft)
Owner	Trust Name on File
Last Sale	$744,000 (Sep 2022)
Tax Bill	$19,975 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-33-152-016`

Property Details

APN / Parcel Number

Primary APN	`04-33-152-016`
Alternative APN	`433152016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,342 sqft Living Area
Basement Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Lot Area	392,040 sqft
Garage Area	832 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	11132 OXBOW DR
City	ROSCOE
State	IL
Zip	61073-9465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F - FLOODW
Legal Description	BEG INSECTN W ROW LN N 2ND ST & S LN LT 19 SUB OF SEC 33-46-2 NWLY ALG W ROWLN 288.13 FT NWLY ALG W ROW 6.63 FT NWLY ALG W ROW LN 230.03 FT W 746.85 FT
Legal Range	2
Legal Township	46
Legal Section	33
Legal Lot Number	19
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3006
Census Tract	3904

Owner

11132 Oxbow Dr is owner-occupied and held in a trust since September 2022.

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	10968 LINDEN BLOSSOM LN, ROSCOE, IL 61073-6384
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed, Transfer · Conventional Mortgage SENB BANK
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SENB BANK
Mar 9, 2020	Deed of Trust, Mortgage · Conventional with PMI STILLMAN BANCORP
Feb 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage STILLMAN BANCORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Dec 9, 2015 · Amount on File
Deed Document Number	202227956
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 9, 2022
Property Address	11132 OXBOW DR, ROSCOE, IL 61073-9465
Document Number	0000027956
Map Reference	BK21 PG399
Instrument Date	Sep 8, 2022
Instrument	2227956
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,116.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11132 OXBOW DR, ROSCOE, IL 61073-9465

Mortgage

Document Number	0000027957
Date	Sep 9, 2022
Instrument	2227957

Lender

Name	SENB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	5.63%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11132 OXBOW DR, ROSCOE, IL 61073-9465
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042939
Date	Nov 30, 2021
Instrument	2142939

Lender

Name	SENB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 15, 2031

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11132 OXBOW DR, ROSCOE, IL 61073-9465
Document Number	0001007172
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11132 OXBOW DR ROSCOE IL 610739465, ROSCOE, IL 61073-9465

Mortgage

Document Number	0001007172
Date	Mar 16, 2020
Instrument	1007172

Lender

Name	STILLMAN BANCORP
Type	Mortgage Company
Address	STILLMAN VALLEY, IL 61084

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	11132 OXBOW DR, ROSCOE, IL 61073-9465
Document Number	0001004575
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	11132 OXBOW DR ROSCOE IL 610739465, ROSCOE, IL 61073-9465

Mortgage

Document Number	0001004575
Date	Feb 16, 2018
Instrument	1004575

Lender

Name	STILLMAN BANCORP
Type	Mortgage Company
Address	STILLMAN VALLEY, IL 61084

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 11132 Oxbow Dr was $19,975 with a homeowner's exemption.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
Municipality	Roscoe Village
Secondary School District	Hononegah Community High School District 207 (09 - 12)
Elementary School District	Kinnikinnick Community Consolidated School District 131 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,975.00	$243,774 Land $75,440 Building $168,334	$731,322 Land $226,320 Building $505,002
2022	Homeowner's exemption	$182,655 Land $56,525 Building $126,130	$547,965 Land $169,575 Building $378,390

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 11132 Oxbow Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 11132 Oxbow Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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